FaLe IMMO
InactiveInactive since 20-05-2026; last annual accounts for fiscal year 2025.
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-06-2026, 53 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
53 d early
2024
56 d late
2023
29 d late
2022
on the day
2021
30 d late
2020
144 d late
2019
70 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 39 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (1)
History
Go further with this company
Who ran this company, and where was it based, on a date before the end?Company as of a date How is the Insurance agents and brokers sector doing?Sector figures
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€57,996▼ 7.4%
2024 · €62,612
Net result
-€4,617▲ 60.5%
2024 · -€11,682
Total assets
€101,902▲ 1.9%
2024 · €100,000
Solvency
56.9%▼ 5.7pp
2024 · 62.6%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€3,859▼ 52.1%€774▼ 80.0%-€4,338-€11,376▼ 162%-€4,852▲ 57.4%
Net result€2,662below the sector's middle half▼ 54.6%€205below the sector's middle half▼ 92.3%-€4,406below the sector's middle half-€11,682below the sector's middle half▼ 165%-€4,617below the sector's middle half▲ 60.5%
Equity€85,559below the sector's middle half▼ 53.1%€78,700below the sector's middle half▼ 8.0%€74,294below the sector's middle half▼ 5.6%€62,612below the sector's middle half▼ 15.7%€57,996within the sector's middle half▼ 7.4%
Total assets€286,328below the sector's middle half▲ 4.0%€296,966below the sector's middle half▲ 3.7%€100,025below the sector's middle half▼ 66.3%€100,000below the sector's middle half=€101,902below the sector's middle half▲ 1.9%
Debt€200,769▲ 116%€218,265▲ 8.7%€25,731▼ 88.2%€37,388▲ 45.3%€43,906▲ 17.4%
Working capital-€14,441within the sector's middle half-€21,300within the sector's middle half▼ 47.5%-€25,706within the sector's middle half▼ 20.7%-€38,964below the sector's middle half
Solvency29.9%within the sector's middle half▼ 36.4pp26.5%within the sector's middle half▼ 3.4pp74.3%above the sector's middle half▲ 47.8pp62.6%within the sector's middle half▼ 11.7pp56.9%within the sector's middle half▼ 5.7pp
Current ratio0.93within the sector's middle half▼ 0.940.90within the sector's middle half▼ 0.030.00below the sector's middle half▼ 0.900.05below the sector's middle half
Return on assets (ROA)0.9%within the sector's middle half▼ 1.2pp0.1%below the sector's middle half▼ 0.9pp-4.4%below the sector's middle half▼ 4.5pp-11.7%below the sector's middle half▼ 7.3pp-4.5%below the sector's middle half▲ 7.2pp
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €4,852 in 2025 against €11,376 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €101,902
Fixed assets
€100,000
Current assets
€1,902
Equity and liabilities €101,902
Equity
€57,996 ▼ 7.4%
Debt
€43,906 ▲ 17.4%
Debt's share of the balance-sheet total rises from 37.4% to 43.1%. Equity is lower and debt is higher.
Key figures and ratios
ROE
-8.0%▲
2024 · -18.7%
Debt ≤ 1 year
€40,866▲
2024 · €37,388
Debt > 1 year
€3,040
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,551 | - | - | - | - | - |
| Other operating charges640/8 | €7,661 | €5,157 | €6,198 | €4,504 | €4,970 | ▲ 10.4% |
| Non-recurring operating charges66A | - | - | - | €28 | - | - |
| Gross operating margin9900 | €13,070 | €5,930 | €1,860 | -€6,845 | €118 | ▲ 102% |
| Operating profit (loss)9901 | €3,859 | €774 | -€4,338 | -€11,376 | -€4,852 | ▲ 57.4% |
| Financial income75/76B | - | - | - | - | €2,433 | - |
| Recurring financial income75 | - | - | - | - | €2,433 | - |
| Non-recurring financial income76B | - | - | - | - | €2,433 | - |
| Financial charges65/66B | €228 | €137 | €68 | €305 | €2,198 | ▲ 620% |
| Recurring financial charges65 | €228 | €61 | €68 | €305 | €2,198 | ▲ 620% |
| Non-recurring financial charges66B | - | €76 | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €3,631 | €637 | -€4,406 | -€11,682 | -€4,617 | ▲ 60.5% |
| Income taxes67/77 | €969 | €432 | - | - | - | - |
| Profit (loss) for the period9904 | €2,662 | €205 | -€4,406 | -€11,682 | -€4,617 | ▲ 60.5% |
| Profit (loss) for the period to be appropriated9905 | €2,662 | €205 | -€4,406 | -€11,682 | -€4,617 | ▲ 60.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €286,328 | €296,966 | €100,025 | €100,000 | €101,902 | ▲ 1.9% |
| Fixed assets21/28 | €100,000 | €100,000 | €100,000 | €100,000 | €100,000 | = |
| Tangible fixed assets22/27 | €100,000 | €100,000 | €100,000 | €100,000 | €100,000 | = |
| Land and buildings22 | €100,000 | €100,000 | €100,000 | €100,000 | €100,000 | = |
| Current assets29/58 | €186,328 | €196,966 | €25 | - | €1,902 | - |
| Amounts receivable within one year40/41 | €186,302 | €196,966 | - | - | €1,521 | - |
| Other amounts receivable41 | €186,302 | €196,966 | - | - | €1,521 | - |
| Cash at bank and in hand54/58 | €26 | - | €25 | - | €0 | - |
| Deferred charges and accrued income490/1 | - | - | - | - | €380 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €286,328 | €296,966 | €100,025 | €100,000 | €101,902 | ▲ 1.9% |
| Equity10/15 | €85,559 | €78,700 | €74,294 | €62,612 | €57,996 | ▼ 7.4% |
| Contributions10/11 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Non-distributable reserves130/1 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Reserves not available under the articles1311 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Profit (loss) carried forward14 | €65,108 | €58,249 | €53,843 | €42,161 | €37,545 | ▼ 10.9% |
| Amounts payable17/49 | €200,769 | €218,265 | €25,731 | €37,388 | €43,906 | ▲ 17.4% |
| Amounts payable after more than one year17 | - | - | - | - | €3,040 | - |
| Other amounts payable178/9 | - | - | - | - | €3,040 | - |
| Amounts payable within one year42/48 | €200,769 | €218,265 | €25,731 | €37,388 | €40,866 | ▲ 9.3% |
| Financial debts43 | - | - | - | €3 | - | - |
| Credit institutions430/8 | - | - | - | €3 | - | - |
| Trade debts44 | €10,028 | €18,064 | €21,892 | €13,135 | €5,867 | ▼ 55.3% |
| Suppliers440/4 | €10,028 | €18,064 | €21,892 | €13,135 | €5,867 | ▼ 55.3% |
| Taxes, remuneration and social security45 | €4,439 | €3,235 | €432 | - | - | - |
| Taxes450/3 | €4,439 | €3,235 | €432 | - | - | - |
| Other amounts payable47/48 | €186,302 | €196,966 | €3,406 | €24,250 | €34,999 | ▲ 44.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2,662 | €205 | -€4,406 | -€11,682 | -€4,617 | ▲ 60.5% |
| + Depreciation and write-downs630 | €1,551 | - | - | - | - | - |
| Operating cash flow (approximation) | €4,213 | €205 | -€4,406 | -€11,682 | -€4,617 | ▲ 60.5% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
23-02
State Gazette act
RestructuringMerger · Accounting effect · Real estate3 facts ▸
State Gazette act
Restructuring
Merger · Accounting effect · Real estate3 facts ▸
- Merger, absorption, 01-01-2026
- Accounting effect, 01-01-2026
- Real estate, Bâtiment situé rue du Sacré Cœur n°7 à 4260 BRAIVES (référence cadastrale 945C2)
2025
25-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 56 days late
2024
31-12
Financial
Weakest financial yearnet -€11,682
Net result drops to -€11,682, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 29 days late
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 30 days late
2021
22-12
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 144 days late
2020
31-12
Financial
Highest result since 2018net €5,866 ▲7.9%
Net result €5,866, the highest in the series.
09-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 70 days late
2019
27-12
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 149 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 60 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 7 acts read
About the unread acts
Of the 7 Belgian State Gazette acts we know for this company, 1 has been read. The other 6 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
7 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Braives
Ground area
512 m²
Building footprint
94 m²
Volume, LiDAR
698 m³
Parcel 64015A0945/00C002, Wallonia · tallest building 9.4 m, ±3 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64015A0945/00C002 | Wallonia | 512 m² | 1 · 94 m² | 9.4 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
2 ownersChain of control
- JB MGMT
- FaLe IMMO
Highest known parent: JB MGMT. The sources do not say who stands above it.
Owners 2
- JB MGMTparentSourceact 23-02-2026100%
- PATRIM'HOLDINGparent100%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Acquisitions and mergers
1 transactionTaken over by:JB MGMT
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Of 4,673 companies in sector 66220 we hold annual accounts for 3,222. 2,389 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded01-10-1983
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
64210Activities of holding companies
64921Financial service activities, except insurance and pension funding
66199Other activities auxiliary to financial services, excluding insurance and pension funding
70200Business and other management consultancy
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.